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Insurance Driven to Serve

Built around the life you've earned.

Houston's independent insurance brokerage. We shop 50+ top Texas carriers we know well, then translate the contract before claim time. Home. Auto. Flood. Business. One conversation at a time.

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50+ top Texas carriers we know well Independent since 2020 Spanish support available Texas License 2539471
What is McDade Insurance?

A Houston independent brokerage that teaches the contract before claim time.

McDade Insurance is a Houston-area independent insurance brokerage based in Spring, Texas, founded by Charles McDade in 2020. We work for the client, not for one carrier, and we shop coverage across 50+ top Texas carriers we know well across home, auto, flood, business, life, and bonds. The difference is what happens before you sign. We translate the contract before claim time, so the coverage you buy actually does what you think it does.

An independent brokerage built for the home you've worked up to.

Local at the relationship level. Nationally connected where it matters.

McDade Insurance Brokerage Group is a Houston-area independent agency founded in Spring, Texas in 2020 by Charles McDade, LUTCF. We serve Established Homeowners, Texas business owners, and Spanish-speaking households across Harris County, Montgomery County, and the broader Greater Houston market.

We are connected to Premier Group Insurance for national agency infrastructure, training, and technology. That connection strengthens the bench behind every coverage conversation. The advisory relationship stays right here in Houston.

Insurance is not apples to apples anymore. It is contract versus contract. Our job is to translate that contract before claim time so the policy you buy actually does what you think it does.

McDade Team Photo
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    Independent. We work for you, not for one carrier. We shop 50+ top Texas carriers we know well across personal and commercial lines.

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    Education-first. Before any signature, we explain replacement cost, wind and hail deductibles, flood exclusions, liability limits, and what changes at renewal. Our four-spoke insurance glossary is open to anyone.

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    Local. Our office is in Spring at 20008 Champion Forest Drive, Suite 1103, minutes from Gleannloch Farms, Champion Forest, Klein, and the broader Houston market.

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    Bilingual. Adolph Ojeda leads Spanish-language insurance support with 13 years of experience and Texas General Lines License 1773004. Reach him at 832.400.5052.

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    Commercial built for operations. Dallas Downey, CLCS, leads commercial accounts including workers compensation, general liability, commercial property, auto, cyber, and builders risk for Texas businesses statewide.

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    Service that stays. LaShawn Nicholson handles policy changes, mortgage updates, vehicle changes, billing, and claim coordination. One business day turnaround on most personal lines requests. No phone trees.

Who McDade Was Built For

Four audiences. One standard.

Different homes. Different businesses. Different stages of life. Same contract-first approach to coverage.

Established Homeowners

2nd, 3rd, and 4th homeowners. Move-up buyers. Vacation property owners. Households with the home they have worked up to and the assets to protect.

Texas Business Owners

Contractors, technology companies, professional service firms, and growing operators. Workers comp, general liability, property, cyber, builders risk, and bonds.

Existing McDade Clients

Policy changes, mortgage updates, vehicle additions, billing, proof of insurance, renewal questions, and claim coordination through LaShawn Nicholson.

Spanish-Speaking Households & Businesses

Full bilingual insurance support through Adolph Ojeda. 13 years of experience. Direct line at 832.400.5052. Texas License 1773004.

What Breaks at Claim Time

The four contract issues most Houston homeowners learn about after something goes wrong.

Insurance is not apples to apples anymore. It is contract versus contract. These are the four places a cheaper premium today can cost you the most at claim time.

Contract Issue #1

Replacement Cost vs. Actual Cash Value

Many Houston policies have quietly moved roofs from Replacement Cost to a Roof Payment Schedule or Actual Cash Value based on age. A 15-year-old roof can pay out for pennies on the dollar after a hailstorm.

Source. Home Insurance Glossary
Contract Issue #2

Wind & Hail Deductibles

Post Hurricane Beryl, many Harris and Montgomery County carriers moved wind and hail deductibles from 2% to 3% or 4%. On a $500,000 home that is the difference between $10,000 and $20,000 out of pocket.

Source. Home Insurance Glossary
Contract Issue #3

Flood Outside FEMA Zones

Standard home policies do not cover flood. Period. After Harvey, more than half of flooded Houston homes were outside FEMA high-risk zones. NFIP and private flood markets fill the gap.

Source. Flood Insurance Glossary
Contract Issue #4

Liability & Umbrella

Most Houston homeowners carry $300,000 to $500,000 of personal liability. Established Homeowners with assets often need a personal umbrella that drops down over home, auto, and watercraft.

Source. Liability Insurance Glossary
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Insurance is not apples to apples anymore. It is contract versus contract. The cheapest premium on paper can become the most expensive policy at claim time. We pick the contract first and the price second.

Charles McDade, LUTCF

Founder & Independent Insurance Broker

Texas General Lines License 2204068. 2025 Liberty Mutual & Safeco Emerging Leaders Agent for the Future. 2025 Independent Insurance Agents of Houston Board Member, the first African American board member in IIAH's 101-year history.

Know Where You Stand

Two Real Options. One Business Day.

Tell us about what you need to insure. Home. Auto. Business. Life. Our team pulls your current coverage, pressure tests it against 50+ carriers, and texts you back inside one business day with the gaps we found and two real options.

About 40% of the time we tell clients to keep what they have. That's how you know you're talking to an advisor, not a salesman.

Or call our team directly 281.378.5002

Tell Us About Your Insurance

We respect your time and your data. One business day text-back. Zero spam. Zero phone trees.

Schedule With McDade Insurance

Choose the conversation that fits the moment.

Whether you need a coverage review, help with an existing policy, workers compensation guidance, or a commercial conversation, route to the right person on the McDade team.

01 Personal Consultation Office Appointment with our Team Best for home insurance reviews, complex coverage questions, referral conversations, and higher-touch advisory meetings with our team. Schedule → 02 Existing Clients Service Request Meeting Best for policy changes, mortgage updates, vehicle changes, billing questions, claim coordination, and account support with LaShawn Nicholson. Schedule → 03 Workers Compensation Workers Comp Meeting Best for Texas businesses, contractors, and employers who need workers compensation guidance, class code review, or experience modification questions. Schedule → 04 Commercial Insurance General Commercial Meeting Best for general liability, commercial property, commercial auto, cyber, builders risk, bonds, and business insurance conversations with Dallas Downey, CLCS. Schedule →
The McDade Carrier Bench

50+ top Texas carriers we know well.

A captive agent represents one company. A direct writer represents itself. McDade Insurance represents you, with access to a deep bench of personal lines, commercial, specialty, and program carriers built for Texas risk. Carrier appetite, underwriting fit, and contract language all matter. We know which carrier writes which risk.

Travelers Liberty Mutual Chubb Progressive Nationwide The Hartford National General USLI Ryan Turner Specialty Texas Mutual NEXT Insurance US Assure TWIA (Wind) NFIP (Flood) Neptune (Flood) Foremost Mercury Stillwater Bristol West Plus 30+ more
McDade Insurance is connected to Premier Group Insurance for broader carrier access, training, and technology. The relationship stays local. The infrastructure runs nationally.
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One Conversation. One Business Day.

Curious how we can help? Call us directly.

Reach out directly. One business day turnaround on most personal lines requests. No phone trees. No call-center scripts. You will talk to a licensed broker who knows the Houston market.

281.378.5002
270+ Five-Star Google Reviews

What Houston-area clients say about McDade Insurance.

Real reviews from real Texas Established Homeowners and business owners. Sourced live from Google. No edits.

 
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Frequently Asked Questions

About McDade Insurance, our service area, and how we work.

Plain-English answers from a licensed Houston independent broker.

What does McDade Insurance do that a national carrier or direct writer cannot?

National carriers and direct writers represent one company. McDade Insurance is an independent brokerage, which means we work for you and place coverage with 50+ top Texas carriers we know well. Before any signature, we teach you the contract. That way the policy you buy actually does what you think it does at claim time.

What Houston-area communities does McDade Insurance serve?

Our office is in Spring, Texas at 20008 Champion Forest Drive, Suite 1103. We serve Houston, Spring, The Woodlands, Cypress, Bridgeland, Humble, The Groves, Katy, Tomball, Conroe, Atascocita, and surrounding Harris County and Montgomery County communities. We also serve Texas business owners statewide for commercial lines.

Is McDade Insurance truly independent or captive to one carrier?

We are an independent brokerage. We are not owned by any insurance company and we do not have a single-carrier quota to fill. We place coverage with 50+ top Texas carriers we know well. The recommendation depends on your home, your assets, your driving record, your business operations, and the contract that fits best. Not on who pays us the most.

Does McDade Insurance offer Spanish-language insurance support?

Yes. Adolph Ojeda is our bilingual Spanish and English insurance specialist with 13 years of industry experience and Texas General Lines License 1773004. He handles home, auto, flood, and commercial insurance for Spanish-speaking households and businesses across the Houston area. You can reach him directly at 832.400.5052 or adolph@mcdadeins.com.

What is the easiest way to start a coverage review with McDade Insurance?

Call 281.378.5002 or schedule an office appointment with Charles McDade through our website. Existing clients with service needs (policy changes, mortgage updates, vehicle changes, billing questions) should book a Service Request Meeting with LaShawn Nicholson. Texas business owners can book directly with Dallas Downey for workers compensation or general commercial conversations. Most personal lines requests turn around in one business day. No phone trees.

What does it mean that McDade Insurance is connected to Premier Group Insurance?

McDade Insurance is local at the relationship level and nationally connected through Premier Group Insurance. PGI is a national independent agency network founded in 1999 that gives our team broader carrier access, training, technology, and market perspective. The advisory relationship stays right here in Houston with our team. PGI strengthens the bench behind that relationship.

Education First

The McDade Insurance Glossary. 199 plain-English Texas terms.

Four spokes. Real Texas Department of Insurance, Texas Insurance Code, FEMA, and NFIP source context where applicable. Built for Established Homeowners and business owners who want to understand the contract before claim time.

Home Insurance Glossary

61 Texas home insurance terms. HO-3 vs HO-5, Coverage A through F, Roof Payment Schedule, wind and hail deductibles, TWIA, FAIR Plan.

Read 61 home terms →

Auto Insurance Glossary

55 Texas auto insurance terms. Additional Driver Discovery, UM/UIM, OEM parts, rental reimbursement, agreed value, Texas 30/60/25 minimums.

Read 55 auto terms →

Flood Insurance Glossary

50 Texas flood insurance terms. Risk Rating 2.0, Elevation Certificate, Zones A, V, and X, NFIP coverage limits, ICC, 30-day waiting period, WYO.

Read 50 flood terms →

Liability Insurance Glossary

33 personal liability and umbrella terms. Underlying limits, defense costs, drop-down coverage, self-insured retention, umbrella vs excess liability.

Read 33 liability terms →
From The Blog

Recent posts on protecting what you've built.

Plain-English education from a licensed Houston independent broker. Contract trade-offs, claim-time realities, Texas market shifts, and what every Established Homeowner and business owner should know before renewal.

View All Posts

Insurance is not apples to apples anymore. It is contract versus contract.

We Are Driven To Serve

Important Notice

McDade Insurance Brokerage Group, LLC is a Texas-licensed independent insurance brokerage (Texas License 2539471) located at 20008 Champion Forest Drive, Suite 1103, Spring, TX 77379. Coverage availability, pricing, underwriting eligibility, and policy terms depend on the carrier writing the contract, individual underwriting, and state regulations. Quotes are not bound until accepted in writing by the issuing carrier. Policy contract language always governs at claim time. This page is general insurance education, not legal or financial advice.